You can switch subscriptions or monthly/quarterly/yearly plans anytime.
Stripe, Scale Insight's payment processing platform, will do the following:
Step 1: Stripe will compute your unused time and credit it to your account.
Step 2: Stripe will initiate a new billing cycle based on the newly selected subscription plan.
Step 3: Stripe will use the prorated credit to offset the billing of the new plan.
If you have $100 credits and the new plan costs $748/year, you will be charged $648 during the switch.
If you have $200 credits and the new plan costs $78/month, your credit will reduce to $122, but you will not incur any charges during the switch.